Zakat Calculator
Zakat at 2.5% against the nisab you choose, with gold and silver valued by purity.
Breakdown
Nisab weights and method: National Zakat Foundation — Nisab.
How this was calculated
Results are estimates for general information and planning, not financial advice. Banks and institutions may calculate differently (rounding, fees, rate changes). Confirm figures with your lender or a qualified adviser before deciding.
About the Zakat Calculator
Work out your zakat: add up the zakatable wealth you own — cash, bank balances, gold and silver, investments, business stock and money owed to you — take off the debts that are due now, and check the result against the nisab. If it reaches the nisab, zakat is 2.5% of the whole amount.
Gold and silver are valued from their weight and purity (24K, 22K, 21K, 18K; fine or sterling silver) at the price per gram you enter, and the nisab is the value of 87.48 g of gold or 612.36 g of silver — the figures the National Zakat Foundation uses — or 85 g and 595 g, or a nisab amount you are given. No live prices are built in: the page opens with example prices so you can see how it works, says so while they are still in use, and needs today’s prices from you. Nothing you type leaves your browser.
How to use it
- Choose your currency and the nisab: silver, gold, or an amount (for example your mosque’s). Enter today’s price per gram of 24-carat gold and of fine silver.
- Enter the cash you hold and your bank balances.
- Add your gold and silver by weight in grams and purity — one line for each purity.
- Enter the market value of your investments (and the share of it to count, if your scholar advises less than all of it), business stock and cash, and money owed to you that you expect to get back.
- Enter the debts due now — bills, card balances, instalments owed — then read the zakat due and the breakdown. Copy or download it.
Examples
Example prices: 24K gold ₹10,000 a gram, fine silver ₹120 a gram · silver nisab
Gold ₹1,83,383.38 (18.32 g pure) · silver ₹11,111.11 · zakatable wealth ₹5,34,494.49 · nisab ₹73,483.20 · zakat due ₹13,362.36
Above the ₹73,483.20 silver nisab: zakat ₹2,000 — 2.5% of the whole ₹80,000, not of the part above the nisab
Below the nisab by ₹13,483.20: no zakat due on this wealth
Common uses
- Work out zakat on savings, gold and investments once a year.
- Check whether your wealth has reached the nisab.
- Value gold jewellery of different purities for zakat.
- Prepare figures to discuss with a scholar or a zakat organisation.
The nisab
The nisab is the least wealth on which zakat is due, measured in gold or silver. The National Zakat Foundation gives it as the value of 87.48 g of gold or 612.36 g of silver, and notes another view of 85 g and 595 g; both are offered here. It also says that if all you have is gold the gold nisab must be used, and that with a mix of assets the silver nisab is suggested — it is lower, so zakat is due on less wealth, which benefits those who receive it.
The nisab value = the weight × today’s price per gram. Prices move every day and differ between buying and selling, so use a price you trust for the day you calculate; the gold price calculator converts rates quoted per 10 g, tola or ounce.
What is counted
- Cash at home and in every bank account.
- Gold and silver by purity (916 parts per thousand for 22K, 925 for sterling): each item is worth grams × purity ÷ 999 × the price of a gram of 24K (999) gold or fine (999) silver — the same scaling jewellers use for a 22K rate from a 24K rate.
- Investments: shares, funds and similar holdings at market value.
- Business assets: stock you hold for sale at what it would sell for, and business cash.
- Money owed to you that you expect to be repaid.
The calculator does not ask about your home, car, furniture or other belongings you use. Ask a scholar about property you rent out or hold to sell.
Where scholars differ
- Jewellery you wear regularly: some scholars count it, others exempt it. Enter it with your other gold if your scholar counts it.
- Long-term shares and funds: some scholars ask for zakat on the full market value, others only on the company’s zakatable assets behind each share. The “share to count” box lets you follow either.
- Long-term debts such as a mortgage: views differ on how much may be deducted. Enter what your scholar advises.
- Pensions and other money you cannot reach yet: ask a scholar.
The calculator does the arithmetic on what you enter; it does not decide these questions.
When zakat is due
Zakat falls due once a lunar (Hijri) year has passed on wealth that has reached the nisab — the hawl. If you do not know when your wealth first reached it, ask a scholar how to choose your zakat date. The calculator shows today’s Hijri date (Umm al-Qura calendar) to help you keep track; local moon sighting can differ by a day.
Limitations
- Follows one widely used method; schools of thought and scholars differ on several assets and debts. Ask a qualified scholar when unsure.
- Uses the prices and nisab you enter — no live prices are fetched.
- Zakat on agricultural produce, livestock and minerals has its own rules and is not covered.
- Gold and silver are valued at the price for their purity, scaled from the 24K and fine-silver prices; a jeweller’s buying price can be lower.
Privacy
Everything is calculated in your browser. Your wealth and debts are never uploaded or stored.
Frequently asked questions
How much zakat do I have to pay?
2.5% of your zakatable wealth — cash, gold, silver, investments, business assets and money owed to you, less the debts due now — if it reaches the nisab. On ₹5,34,494.49 that is ₹13,362.36.
What is the nisab for zakat?
The value of 87.48 g of gold or 612.36 g of silver (the National Zakat Foundation’s figures; another view uses 85 g and 595 g). Multiply the weight by today’s price per gram: at ₹120 a gram of silver, 612.36 g is ₹73,483.20.
Should I use the gold or the silver nisab?
The National Zakat Foundation says to use the gold nisab if gold is all you have, and suggests the silver nisab when you hold a mix of assets. The calculator tells you when the other nisab would change the answer.
Is zakat 2.5% of only the amount above the nisab?
No. The nisab is a threshold, not an allowance: once your wealth reaches it, zakat is 2.5% of the whole amount. ₹80,000 against a ₹73,483 nisab gives ₹2,000 of zakat.
How do I calculate zakat on gold jewellery?
Value it by its purity from the 24-carat (999) price per gram: weight × purity ÷ 999 × that price. 20 g of 22K (916) holds 18.32 g of pure gold; at ₹10,000 a gram of 999 gold it is worth 20 × 916 ÷ 999 × ₹10,000 = ₹1,83,383.38, and 2.5% of that is ₹4,584.58 — counted with your other wealth against the nisab. Whether jewellery worn regularly is zakatable is a question on which scholars differ.
Can I deduct my debts?
Debts that are due now — unpaid bills, card balances, instalments owed — are taken off. For long-term loans such as a mortgage, scholars differ on how much may be deducted; enter the amount your scholar advises.